HSBC Bank credit card
HSBC TravelOne Credit Card
Instant airline and hotel transfers, with 2X rewards on travel and forex spends
Credofly overview
Is HSBC TravelOne Credit Card right for you?
HSBC TravelOne is a serious travel-rewards card for users who will transfer points to airline or hotel partners. Its core proposition is straightforward: 2 Reward Points per ₹100 on eligible regular spends, 4 per ₹100 on flights, travel aggregators and foreign-currency spends, plus direct app-based transfers. The ₹4,999 annual fee is easiest to justify when you travel regularly, use the lounge/golf benefits and stay on track for the ₹8 lakh annual-spend waiver.
Earn 4 Reward Points per ₹100 spent on flights, travel aggregators, and foreign currency transactions, capped at 50,000 Reward Points per month. Reverts to 2 Reward Points per ₹100 on other spends.
What it costs
Fees & charges
₹4,999 joining and annual fee, plus applicable taxes. Annual fee is waived when eligible annual spend exceeds ₹8 lakh.
Earning & redeeming
Rewards, made clear
-
4 Reward Points per ₹100 spent on flights, travel aggregators, and foreign currency transactions (capped at 50,000 Reward Points per month)
-
2 Reward Points per ₹100 on all other spends
-
1:1 conversion of Reward Points to air miles or hotel loyalty points with partners like Air India, British Airways, Etihad, Singapore Airlines, Marriott Bonvoy, Accor, and more
Best used for airline and hotel loyalty transfers; 1 Reward Point transfers 1:1 to many partners, while selected partners use different ratios.
How you can redeem
Redeem Reward Points for:
-
Air miles with leading airlines
-
Hotel loyalty points
-
Gift vouchers across various categories
EMI Transactions, Utilities, Insurance, Wallet, Rent, Education, Fuel, Government Spends, Tax Payments, and Jewelry
<p>Reward Points are not awarded on specific categories including government transactions, e-wallet loads, fuel, insurance, real estate, jewelry, utilities, and money transfers.</p>Beyond rewards
Benefits that matter
Welcome offer
Within 30 days of opening the account, download and log on to the HSBC India app and spend ₹10,000 to receive ₹1,000 cashback, a ₹3,000 PostCard voucher and 3 months of EazyDiner Prime. Also earn 3,000 bonus Reward Points on ₹1 lakh spend in the first 90
Milestone benefits
-
10,000 bonus Reward Points on annual spends exceeding ₹12,00,000
-
Annual fee waiver on spending ₹8,00,000 in a year
Renewal benefits
Annual fee waiver on spending ₹8,00,000 in a year
Card benefits
-
6 complimentary domestic lounge visits and 4 international lounge visits per year
-
4 complimentary rounds of golf and 12 golf lessons annually
-
Up to 15% discounts on travel platforms like Yatra, EaseMyTrip, Cleartrip, StayVista, and AdaniOne
Lifestyle & travel
movie, lounge international, lounge domestic, golf benefits
Our independent take
Credofly review
Credofly take: TravelOne is stronger than a generic travel card because the transfer ecosystem is its centre of gravity, not an afterthought. It works best for someone happy to learn a few loyalty programmes and redeem toward travel. The base reward rate is modest for a ₹4,999 card, so it is not the right default card for every household purchase. Use it for flight, travel-aggregator and foreign-currency spends; move points to a relevant airline or hotel programme when you have a real redemption in mind; and keep an eye on the 50,000 accelerated-point monthly cap and excluded categories.
The HSBC TravelOne Credit Card is a compelling choice for frequent travelers seeking a premium card with robust rewards and lifestyle benefits. Its accelerated reward points on travel spends, seamless redemption options, and exclusive privileges like lounge access and golf benefits offer substantial value. While the annual fee is on the higher side, the benefits provided can easily offset the cost for those who travel often.
Why we like it
The HSBC TravelOne Credit Card offers a robust rewards program for travelers, with accelerated points on travel spends, seamless redemption options, and exclusive lifestyle benefits, making it a compelling choice for frequent flyers.
Strengths
- <p>Accelerated reward points on travel-related spends</p>
- <p>Seamless redemption options with leading airline and hotel partners</p>
- <p>Exclusive lifestyle benefits including lounge access and golf privileges</p>
Watch-outs
- <p>High annual fee of ₹4,999 + GST</p>
- <p>Reward points capped at 50,000 per month for accelerated categories</p>
- <p>Limited reward points on non-travel spends</p>
Before you apply
Eligibility & application
Eligibility
-
Age: 18–65 years
-
Minimum annual income: ₹4,00,000 for salaried individuals
-
Resident of select Indian cities including Bengaluru, Mumbai, Delhi NCR, Chennai, Hyderabad, Pune, Noida, and others
How to apply
Apply online via Credofly in just 2 minutes:
Complete the form, upload documents, and finish Video KYC. Your card will be approved and delivered within 5–7 business days.
Your questions answered
FAQs
What is the HSBC TravelOne Credit Card?
Who is eligible to apply?
What are the fees?
-
Joining Fee: ₹4,999 + GST (around ₹5,898).
-
Annual Fee: ₹4,999 + GST, waived if you spend ₹8 lakh in a membership year.
How do I earn reward points?
-
4 points per ₹100 on flights, travel aggregators (e.g., Yatra, MakeMyTrip), and foreign currency spends (capped at 50,000 points/month).
-
2 points per ₹100 on all other spends (no cap).
-
10,000 bonus points for annual spends above ₹12 lakh.
How can I redeem my reward points?
How long are reward points valid?
What are the welcome benefits?
-
Spend ₹10,000 within 30 days of issuance to get:
-
₹1,000 cashback.
-
₹3,000 PostCard Hotels voucher (for hotel stays only).
-
3-month EazyDiner Prime Membership.
-
-
Spend ₹1 lakh within 90 days for 3,000 bonus points.
-
Offers valid for applications between December 1, 2024, and December 31, 2025.
What travel benefits does the card offer?
-
6 domestic and 4 international lounge visits per year via Mastercard Travel Pass.
-
Up to 15% off on travel aggregator bookings (e.g., Yatra, EaseMyTrip) with caps and validity until December 2025/2026.
-
20% off duty-free shopping via AdaniOne (up to ₹3,000, once yearly, min. ₹8,000 spend).
Can I use the card internationally?
Are there any spending caps on rewards?
What happens if I don’t meet the annual fee waiver threshold?
Can I get lounge access for a guest?
Is this card available for self-employed individuals?
What lifestyle benefits are included?
-
Purchase protection up to USD 20,000 annually for 180 days.
-
Buy-one-get-one movie ticket offers.
-
Dining discounts via Zomato.
-
Golf privileges (lessons and rounds).
How do I track my rewards and benefits?
What if my application is rejected?
From cardholders
User reviews
No Title
Based on 16 responses
Did you find this page helpful?
Why Trust Credofly?
Verified Reviews
Every review is vetted for accuracy and transparency. We show what matters most to real users.
Credofly Score™
Our proprietary score rates cards on 50+ data points across 7 key categories to help you choose better.
SmartCheck™ Verified
Look for the SmartCheck badge — it means our editorial team has manually reviewed and verified the card.
No Hidden Bias
We may earn from affiliate links, but our rankings and reviews are always independent and honest.